Video: How to select David Smith as your Covered California agent

Watch this video below for instructions on how to select David Smith as your Covered California certified insurance agent.  This is how David is allowed by Covered California to assist you with Covered California insurance plans. To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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Video: Applying for Covered California Medical Insurance

Apply online to determine if you qualify for financial help.  When you get to "choose a plan" then contact me at 619-876-6343 or This email address is being protected from spambots. You need JavaScript enabled to view it. for assistance in wading through the many choices. To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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Covered California Special Enrollment Period: Sign up today!

​Click HERE to sign-up David Smith is a Certified Covered California Insurance Agent.  619-876-6343   This email address is being protected from spambots. You need JavaScript enabled to view it. California Insurance License 0766763 He is available to assist with choosing the right coverage, qualifying for financial assistance, and applying for coverage.   To Unsubscribe, reply to this email with...
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Official Medicare and You (2020) in various formats (large print, for example!)

​Click here to get to the download pages: https://bit.ly/Medic2020formats  To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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Webinar March 27, 10am "Your Medicare Choices"

To best serve the public, we have moved the seminars and individual consultation online including 2020 Search and Compare Plans website: http://bit.ly/Medicompare2020 Educational Seminar regarding your Medicare Options for new and renewing beneficiaries Medicare 101: Which combination of Medicare options is right for you as a "first-timer"? Should ...
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Health Care Sharing Ministries: A Notice (Warning?) from the CA Insurance Commissioner

​See the PDF below for an official notice from the CA Insurance Commissioner.   Download PDF File Here To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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Jan. 9 Seminar: Are you in the right Medicare Advantage Plan? How to choose among so many options. Medicare review with emphasis on Medicare Advantage (Part C) options.

Are you in the right Medicare Advantage Plan? New Options for Medicare Advantage for 2020: You have the right to change to a new plan January 1 – March 31. Come learn how to make a decision between the 28 plans available in San Diego County.No sales talk, all education! Bring your questions, general or specific!   When: January 9 at 10:30...
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If you make more, you pay more for Medicare: here is the guide

​There are tiered costs for Medicare Part B and Part D. See the guide to be prepared for what these may cost as well as what can be done about the increases, if anything.   Download PDF File Here To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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Should you keep your age 18-26 children on your medical insurance?

Case study question: Should a parent drop their age 18-26 child from their medical insurance and have them buy their own? What does it depend on? What if the children individually would qualify for Covered California federal and state tax credits? If you or you have clients that fit this question, I can help with the math of premiums and poten...
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Easy website to Search and Compare Medicare Plans

http://bit.ly/Medicompare2020    Let me know if you need assistance: This email address is being protected from spambots. You need JavaScript enabled to view it.  619-876-6343 CA Insurance License 0766763 To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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Federal Employee's and Retiree Medical: Medicare Instructions

​Here is the current OPM booklet for FEHB beneficiaries regarding Medicare.  It's not really very simple.  Sorry. Let me know if I can assist in decisions.   Download PDF File Here To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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UnitedHealthcare's New Fitness Benefit for Medicare Beneficiaries

​UnitedHealthcare has revamped their fitness benefit to be even better.  They have added new providers, including YMCAs in San Diego County.  Check out the PDF for a description.  Call me at 61-876-6343 or email me at This email address is being protected from spambots. You need JavaScript enabled to view it. for more information on new coverage or transferring current coverage to UnitedHealthcare's ...
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Guide to Long Term Care Planning from LifeHappens.org

​Download this PDF for great information on planning for extended care events in your life. Email me at This email address is being protected from spambots. You need JavaScript enabled to view it. or call me at 619-876-6343 with questions or requests for quotes.   Download PDF File Here To Unsubscribe, reply to this email with Unsubscribe in the Subject or at the beginning of the Body
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Medicare Questions Answered: November 30 in Carlsbad - Something not Football!

Nov. 30 at 1:30 and 3:00  Two sessions. Educational Seminar regarding your Medicare Options for new and renewing beneficiaries Medicare 101: Which combination of Medicare options is right for you as a "frist-timer"? Should you change plans if you are already enrolled in Medicare? Speaker: David F. Smith, PhD, CFP®, CLU®, ChFC®Agenda: ☺The diff...
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Will You Make a $94,000 Medicare Mistake?

The $94,000 "mistake" Can you call it a mistake when you have made a choice that turned out to be the wrong one, but you had no way of knowing at the time? Medicare choices are just like that for many people. So much of the benefit of Medicare and the insurance options (Medigap, Prescription Drug, Advantage Plans) will be determined in the future w...
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Sept. 25 Medicare Education Event 6:30 pm Carlsbad Library

Educational Seminar regarding your Medicare Options Medicare 101: Which combination of Medicare options is right for you? David F. Smith, PhD, CFP®, CLU®, ChFC®Agenda: ☺The different ways to get Medicare☺Entitlement to and Enrollment in Original Medicare (Parts A & B)☺Medicare premiums (Parts A & B)☺Eligibility for Medicare Advantage (Part ...
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Don't count on Medicare alone when traveling out of the U.S.A.

​Here is what Medicare.gov say at http://bit.ly/2K9nDmI "Travel Medicare usually doesn't cover health care while you're traveling outside the U.S. There are some exceptions, including some cases where Medicare Part B (Medical Insurance) may pay for services that you get on board a ship within the territorial waters adjoining the land areas of the U...
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2019 Official Medicare and You Handbook (120 pages)

Download your copy today.   Download PDF File Here
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Are you aware how devastating on family and financial life a disability can be?

Read all-to-real life stories at http://bit.ly/2OfOcw3  from the Council on Disability Awareness.  Vicki's story is below. Read them all.
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"Final Expense" Life Insurance from Nationwide Life

​Nationwide YourLife Whole Life (WL) offers guaranteed life insurance protection plus cash value See complete information at: http://bit.ly/2K1Ak3h  Few things in life come with guarantees. But when you're talking about protecting your family, that's exactly what you want — to know they're covered, regardless of what happens to you.Nationwide ...
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